Le 5 décembre 2015, 11:19 dans Humeurs • 0
The Credit Boogie Man The lightening is casting your shadow against the wall as it flashes in the night sky. You cut it back off. Only one other place left to look, and that's the closet. You begin to walk slowly to the closet. Oddly, you hear that eerie horror music in your mind, not remembering leaving the door cracked like it is.
Your heart starts racing. Your brow begins to perspire with beads of sweat. You laugh to yourself, thinking how silly you were acting. Its a little chilly, so you grab your jacket from a hanger.
You feel the inside pocket and there are several envelops. Spreading the envelops over the bed, chill bumps begin to erupt all over your body. It can't be. Its not possible. The mortgage payment. The car note. All the utilities. How?! You know without a doubt that you put these in the mail weeks ago. A quick glance at the calender and your chill bumps double in number. Snow has more color to it than your skin does at this point. The night wind echoes one final message.
This is what most likely happened. You had that jacket on three or four weeks ago meaning to drop the bills in the mail, but forgot. Just like children have their 'my dog ate my homework' story, we adults have our 'Credit Boogie Man' urban legends. The 'Credit Boogie' man didn't damage your credit score, you did. But not to worry, there is always time to change your perception on the proper use of credit.
First you need to obtain a copy of all three of your credit scores and reports. You will still have to go through one of the sites I listed above to get your scores (did you really think it would be that easy).
What I suggest to my clients is a double sided attack. As you try to get negative marks removed from your file, you also should be taking steps to add www.moncleroutletvip.com positive marks to your file. This creates a synergy effect, boosting your score faster than what could be done by each tactic separately.
Start with the easy accounts. Look for entries that are not even yours, these should be very easy to remove from your file. Next, look for items that have been paid (or maybe still not paid) and they're seven years older or more. The seven year period begins 180 days after account goes into default (post 97 law changes) or last date of activity. This can be tricky.
This is 2006, so anything from 1999 and back would be good candidates to attack. But what if you made a payment (but not total amount) in 2004, and then stopped paying again. This would make your seven years begin over from 2004 instead of 1999